| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | 2375 EAST CAMELBACK ROAD, SUITE 250 PHOENIX, AZ 85016 | METROPOLITAN LIFE INSURANCE COMPANY | $90K | $6K | $96K | 10.75% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA | 14805 N 73RD ST SCOTTSDALE, AZ 85260 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $144 | $23K | 2.57% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS OF ARIZONA | 1760 E RIVER RD STE 300 TUCSON, AZ 85718 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 0.17% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF ARIZON | 4544 E CAMP LOWELL DR SUITE 100 TUSCON, AZ 85712 | DELTA DENTAL OF ARIZONA | $10K | — | $10K | 1.97% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF ARIZONA | $7K | — | $7K | 1.35% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $5K | — | $5K | 6.41% |
| EMPLOYEE BENEFITS INTERNATIONAL3 Filed as: EMPLOYEE BENEFITS INTERNATIONAL INC | 8828 NORTH CENTRAL AVENUE SUITE 100 PHOENIX, AZ 85020 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1 | — | $1 | 0.00% |
| EMPLOYEE BENEFITS INTERNATIONAL3 Filed as: EMPLOYEE BENEFITS INTERNATIONAL INC | 7901 NORTH 16TH STREET SUITE 200 PHOENIX, VA 85020 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | -$3 | — | -$3 | -0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,283 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | METROPOLITAN LIFE INSURANCE COMPANY | 2,143 | $897K |
| Dental | DELTA DENTAL OF ARIZONA | 1,378 | $507K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 1,177 | $72K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 2,143 | $897K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,143 | $897K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,143 | $897K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,143 | $962K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,143 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.